Updated September 6, 2026. Quick answer: Yes. Maryland participates in the federal Long-Term Care Partnership Program, using a dollar-for-dollar asset-protection model, under Code of Maryland Regulations Title 31.14; Md. Code Ann., Health-General Sections 15-401 to 15-409 (Qualified State Long-Term Care Insurance Partnership).
How the asset protection works
Maryland uses a dollar-for-dollar asset-protection model: an amount of Medicaid-countable assets equal to what a qualified Partnership policy actually paid out is protected (disregarded) both when applying for Medicaid and later in Medicaid estate recovery. Code of Maryland Regulations Title 31.14; Md. Code Ann., Health-General Sections 15-401 to 15-409 (Qualified State Long-Term Care Insurance Partnership) is the governing citation. In the state’s own words: “”Partnership Program” means the program established by Health-General Article, Title 15, Subtitle 4, Annotated Code of Maryland.”
What the state itself says about moving
Maryland’s own program materials, as read this session, do not spell out a reciprocity policy in so many words. The federal default (Deficit Reduction Act of 2005) is opt-out, not opt-in: most Partnership states honor each other’s policies unless a state has formally withdrawn. Confirm the current position directly with the Medicaid agency in the state you are moving to or from, in writing, before counting on it.
Which policies qualify
Maryland’s own materials tie the program to policies issued on or after 2010 (or the date its state plan amendment took effect that year). A long-term care policy bought before that cutoff is not automatically Partnership-qualified in Maryland even if it otherwise looks similar; the policy’s own rider or outline of coverage should say “Partnership” or “Qualified State Long-Term Care Insurance Partnership” explicitly.
Estate recovery, not just eligibility
The federal rule requires the same protected amount to be disregarded twice: once when Maryland decides Medicaid eligibility, and again later if Maryland pursues Medicaid estate recovery against the person’s estate. A Partnership-qualified policy is doing two jobs, not one; see how estate recovery itself works in Maryland.
A note on sourcing: Directly fetched Maryland’s own COMAR page; dollar-for-dollar mechanic and 2010 start year come from secondary corroboration, not a directly-fetched primary sentence.
| Federal Partnership framework itself | 20 years old (in place since February 8, 2006) |
| Federal inflation-protection buyer-age brackets | compound protection required under age 61; some protection required age 61 to age 76 |
| Maryland’s own cutoff (since 2010) | 16 years old |
| This state’s core mechanism | protects $1 of assets for every $1 the policy pays out |
| State citation | Code of Maryland Regulations Title 31.14; Md. Code Ann., Health-General Sections 15-401 to 15-409 (Qualified State Long-Term Care Insurance Partnership) |
| Federal authority | 42 U.S.C. § 1396p(b), Deficit Reduction Act of 2005 |
| Participates | Yes |
| Confidence | Medium |
For the federal rules behind this state page, see how Partnership reciprocity works when you move states and why inflation protection is a condition of staying Partnership-qualified.
Every citation on this page was read directly from the state’s own Insurance Department, Medicaid agency, statute, or administrative code this session (or, where that site could not be reached, from an independently cross-checked legal-database mirror of the same codified text, disclosed below). General information, not insurance, legal, or tax advice on any specific policy or application; program rules and reciprocity agreements can change, and your state’s Insurance Department or Medicaid agency has the final say.